Why Choose Creative Financing?
Creative financing opens doors that traditional banks close. Whether it's taking over existing payments, having the seller act as the bank, or partnering on renovations, these strategies create win-win scenarios for everyone involved.
- No strict bank qualifications or credit checks
- Flexible terms negotiated directly between buyer and seller
- Faster closing process without bank delays
- Sellers can earn passive income with interest
- Preserve incredibly low existing interest rates
Win-Win Solutions
We tailor every deal to meet the unique needs of both the buyer and the seller, ensuring maximum value and minimal stress.
Seller Financing
The Seller Acts as the Bank
Instead of getting a traditional mortgage, the buyer makes payments directly to the seller. This strategy offers flexible terms, no strict bank qualifications, and a faster closing process, while the seller earns passive income with interest.
SubTo
Take Over the Loan
Purchasing a property "subject to" the existing mortgage means taking over the seller's current loan payments. This allows buyers to preserve incredibly low existing interest rates without officially assuming the loan through a bank.
Hybrid Best Option
SubTo + Seller Carry
The ultimate win-win. We take over the existing low-interest loan (SubTo) to provide immediate debt relief, and the seller carries back the remaining equity as a second mortgage. You get cash down, debt relief, and monthly passive income!
The Morby Method
DSCR with Seller Carry
A powerful strategy that combines a traditional Debt Service Coverage Ratio (DSCR) loan for the bulk of the purchase price, with the seller carrying back a second mortgage for the down payment. This allows investors to acquire properties with little to no money out of pocket while giving the seller their asking price.
Novation Agreements
Seller Carry During Renovations to Flip
Perfect for properties needing work. We partner with the seller to renovate the property using our capital and crews. The seller stays on the title during renovations, and once sold to a retail buyer at top dollar, the profits are split. A true win-win that maximizes the final sale price.
Deal Structure
Select a strategy and adjust the numbers.
Cash at Closing
$35,000
Monthly Passive Income
$1,164
Total Payout Over Time
$454,148
Extra Profit (Interest)
+$104,148
Est. Tax Deferred
~$52,500
Seller Wins:
- Earns $104,148 in extra interest profit over time
- Potentially defers ~$52,500 in upfront capital gains taxes
- Consistent, truly passive monthly cash flow
* Disclaimer: These numbers are estimates provided for educational and illustrative purposes only. They do not constitute a formal appraisal, guaranteed offer, or financial/legal advice. Actual numbers may vary based on market conditions, property condition, and final negotiations.
Frequently Asked Questions
Common questions about creative financing and how we structure deals.
